Real Estate

Health Risks of Toxic Molds

The threat of toxic mod has been on the public eye lately, and health concerns have caused a number of lawsuits filed. Misconception of toxic molds has only caused widespread fear about the safety of their homes, schools, workplace, and other places. Because molds can grow anywhere damp, humid, and warm, they can be found in just about every state in the US. The real danger of mold is when they are in high concentration in a small area, which eventually lead to the following health problems:

  • Allergic reactions – sensitivity to molds can differ from person to person, but general symptoms consist of eye irritations, nasal stuffiness, wheezing, coughing, and skin irritations. Severe symptoms include shortness of breath, flu-like symptoms, and fever.
  • Aspergillosis – this covers a family of diseases related to the genus of Aspergillis; ABPA (allergic bronchopulmonary aspergillosis) is the non-invasive form that causes allergy-like symptoms, while invasive aspergillosis causes serious health complications that damages tissues of different organs, but common in lungs. It can spread throughout the whole body if left untreated.
  • Toxin-related maladies – although there has been reports of a link between mold exposure and serious diseases (such as brain damage, chronic fatigue syndrome, infant lung hemorrhaging, and other health issues, scientists still need further proof of their direct connection. Nevertheless, toxigenic molds are still considered a factor in many serious diseases and injuries.

It is important to note that certain types of people can be more sensitive when exposed to molds than other people. People with lung conditions, weakened immune systems, and other preexisting health conditions are considered at higher risks of illnesses after exposures to toxic molds, along with the elderly and infants who run the risk of developing health complications.

Because of the lack of medical data relating mold exposure to a specific set of symptoms, it is often very difficult to pin-point the direct cause of the condition that a certain individual is suffering from. Furthermore, the use of “toxic mold” has caused more confusion, since regardless of whether molds are toxigenic or not, they may still cause symptoms if they are exposed to molds of high enough concentrations.

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Lead Poisoning is Still a Threat

For today’s youth, lead poisoning is more so an idea than a reality. Most younger people understand what lead poisoning is, but cannot recognize its symptoms and do not realize they still run the risk of getting it.

Before 1978 when lead was banned, it was common in paint for homes, children’s toys, and furniture. That being said, many older houses often still have remnants of lead, especially if they are the houses of those that have not moved since around the time of the ban and have not changed out their furniture. Nowadays, lead soldered pipes run the risk of lead particles ending up in tap water. Also, even though lead soldered canned goods are illegal to make in the United States, they are not illegal to import.

Symptoms in adults include high blood pressure, memory loss, muscle and joint pains, reduced sperm count, constipation, headaches, sudden occurrence of mood disorders, miscarriage or premature birth, and diminishing mental function. Very high levels of lead exposure can result in death.

Certain hobbies and jobs increase one’s chance of getting lead poisoning. For example, any job that involves working with batteries can most likely guarantee exposure. Auto repair shops also usually contain a considerable amount of lead. Home renovators, especially those that renovate older homes should take certain safety precautions, such as wearing a mask, to minimize exposure. The Resmini Law website says that industrial plants and factories are the most common places for toxic exposure.

To minimize lead exposure, make sure you are washing your hands and any toys you may have as much as possible. In addition to keeping yourself clean, keep your house clean as well. The less dust that is in your home, the less likely you will be exposed to lead. When using tap water, run cold water for a minute, and never use hot water for cooking. The best offense is a good defense, so make sure you are eating healthy, because good nutrition aides in lower lead absorption.

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Real Estate Litigation – Wrongful Foreclosure

Between 2009 and 2010, about 1.2 million homeowners lost their homes due to foreclosure by 11 top financial institutions. The big problem, however, was that many of these homeowners were not even delayed in their mortgage payment or (even had there been actual problems in payment) they had just been approved by the bank either for a temporary delay in mortgage payments or for a restructuring of payment, or that their property was under the protection of federal laws.

Studies and litigations show that majority of the foreclosures made during the height of the housing crisis in the US were not even due to homeowners defaulting in their loan obligations; these were rather due to errors made by banks or due to practices (which greatly favor banks and other creditors) that are now considered illegal. While banks and creditors naturally deny any wrongdoing, one fact is real – that wrongful foreclosures are not real; these are widespread too.

Some of the most commonly identified causes of wrongful foreclosure include:

  • Miscommunication and processing errors. Despite not being behind on their mortgage, many homeowners have faced foreclosure due to lack of proper communication between banks and other creditors, title insurers, foreclosure law firms, and servicers (also called mortgage servicers. These are usually composed of the biggest banks in the US which collect mortgage payments and foreclose properties with delinquent payments).
  • Incorrect instructions from banks or servicers. This usually happens to homeowners who are current on their mortgage but wish to apply for a loan modification. To qualify for loan modification they are told to fall behind on their mortgage, but only to find that afterwards that the bank has foreclosed on their property – due to delinquency in payment.
  • Additional fees. Many homeowners end up failing to make late payments on their mortgage due to the so many added fees, like late fee, attorney’s fee, inspection fee, broker-price opinion, and others. Many legal experts agree that these fees are major contributory factors to a great number of foreclosures.
  • Dual track on loan modification processing and foreclosure resulting in mistaken foreclosures. Loan modification and foreclosure are usually processed in separate divisions of a bank; thus, while a homeowner may be awaiting the result of his/her application for loan modification, his/her property might be foreclosed without fully understanding what actually went wrong.

Losing one’s home because of foreclosure can usher in a lot of pain for any hardworking individual, especially if such is due to an error committed by someone else. Proving this is pretty hard, though, as real estate laws can be too complicated for a homeowner. Despite missing payments on mortgage, the law offers various means for the property owner to retain his/her property, thus no bank or creditor can simply foreclose on it.

The Dallas real estate litigation lawyers are among the most qualified legal professionals always armed with very strong arguments in defense of the homeowner’s rights. Entrusting your legal battle (against your creditor) to someone else may cast you in a position where you could lose everything you have worked for so hard.

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